Pay over time
Roof now. Pay over time.
We work with a third-party financing partner so you can break the cost of a roof into a monthly payment. Soft credit check, no obligation to accept.
Financing partnership is — page is built but not yet active. Confirm Hearth / GreenSky / Service Finance partnership before publishing financing claims.
How it works
Three steps. No surprises.
Apply in a few minutes
Quick online form with our partner. Soft credit check, no impact on your score.
See your monthly payment
You'll see term, rate, and monthly payment before you accept. Walk away with no obligation if it's not the right fit.
We do the roof
The partner pays us on milestones. You pay the partner on the monthly schedule you agreed to. We don't touch the credit side at all.
Who qualifies
A straight answer.
Most homeowners with steady income and reasonable credit can get approved for a roof loan. The financing partner looks at income, debt-to-income, and credit history together — not one number.
We don't see your credit score or application details, and we never pressure a homeowner into financing. If you can pay by check or insurance proceeds, that's usually the cleaner path. If financing makes the timing work, we're happy to use it.
Apply
Ready to check your rate?
The application link goes live once we confirm the financing partnership. In the meantime, request a free quote and we'll walk through your options on the phone.
Financing application — direct link will appear here once the partner is confirmed.
Financing questions
What homeowners ask about paying over time.
- We work with a third-party financing partner. They handle the application, the credit decision, and the monthly billing. We don't see your credit details.
- Pre-qualification uses a soft credit check that doesn't affect your score. A hard check happens only if you accept the loan and move forward.
- Approval depends on income, debt load, and credit history together — not just the score. We've seen homeowners with mid-600s approved, and we've seen 750s declined for other reasons. The only way to know is to apply.
- Most plans allow early payoff with no penalty. Confirm the exact terms with the financing partner before you sign.
- No. Most of our customers pay by check, card, or insurance proceeds. Financing is one option — we'll tell you up front whether it's the right path for your job.
Free roof check
Roof now, pay over time.
Get a clear number first. We'll talk through financing if it's the right fit.